Instead of the usual overcollateralized loans where you have to lock up ETH, BTC, or stablecoins, Huma’s PayFi network lets you borrow against your future income.
That means your salary, invoices, subscription revenue, or even remittances can be used to unlock cash today. Whether you’re a freelancer waiting on a client, a business waiting for invoices to clear, or someone with a steady paycheck, Huma turns your upcoming earnings into immediate liquidity.
The model is built on the Time-Value-of-Money principle — money now is worth more than money later. By analyzing your cash flow, Huma can unlock 70–90% of your expected future revenue. All powered by smart contracts for fast, secure, and automated payouts — no middlemen, no delays.
This approach opens credit access to people who may not have big crypto holdings, making lending more inclusive and efficient.
Why it matters:
• Faster access to funds — no more waiting weeks for invoice payments.
• Inclusive credit — based on real-world income, not just large crypto wallets.
• On-chain efficiency — simple, automated, and available to anyone.
Huma Finance is leading the PayFi movement, blurring the lines between payments, income, and DeFi lending. In the next era of finance, it’s not just about what assets you hold — it’s about the income you can generate, and Huma is making sure you can access it anytime, anywhere.
